Why employees choose us

You can achieve the retirement lifestyle you envision if you take the time to set your goals, make a plan and commit to it. Your group retirement plan makes it easy for you to reach your goals with the following advantages:

• Generally lower investment management fees (IMFs) - The impact of this difference in the growth of your investment could be significant over an extended investment period. Take a look at the difference in the growth of your investment with your lower IMFs over 10 and 20 year investment periods.
(The values shown in this example are for illustrative purposes only)

• No loads - Your group retirement plan has no front or back-end loads.
• No minimum contribution required.
• Immediate tax savings on contributions via payroll deduction.
• Interfund transfers at no cost, from one fund to another within your group retirement plan.
• Two ways for you to access information about your retirement plan:
1. Call Access Line, our interactive voice-response (IVR) phone system, at 1 800-724-3402 from anywhere in North America. Access Line is open 24 hours a day, seven days a week.
2. Or use GRS Access, our transactional website, at www.grsaccess.com. At GRS Access you can review your account and make investment changes.

• If you are not already a member of your group retirement plan, contact your plan administrator today. Sign up so you can enjoy the advantages outlined above.
• If you are already a member, congratulations as you are on your way to the retirement you envision. But don't forget - by increasing your contributions, topping up your annual contribution or transferring assets from other plans, you can ensure you are getting the most from your retirement savings.